Security State Bank of Marine: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Construction concentration (Tier 1 capital + allowance): 7.00 percentage points lower than in Q1 2026, at 54.25%. Security State Bank of Marine ranks 78th of 221 Minnesota banks on loan-to-deposit ratio, in the upper half at 87.06% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Security State Bank of Marine sits 6.22 points higher, at 87.06% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $179.4M |
| Net loans and leases | $177.0M |
| Loans held for sale | $0 |
| Loans to total assets | 77.17% |
| Loan-to-deposit ratio | 87.06% |
| Net loans to equity capital | 7.05% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.15% |
| Multifamily (5+ residential) | 2.62% |
| Commercial and industrial | 6.17% |
| Consumer | 1.57% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 138.66% |
| Construction concentration (Tier 1 capital + allowance) | 54.25% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.48% |
| Interest income on loans | $2.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $151.9M | $178.2M | 18.86% | 9.50% | 2.04% |
| Q4 2023 | $155.0M | $179.4M | 18.67% | 9.49% | 2.12% |
| Q1 2024 | $155.4M | $180.7M | 18.07% | 9.64% | 1.92% |
| Q2 2024 | $162.7M | $184.4M | 18.86% | 9.30% | 1.78% |
| Q3 2024 | $167.6M | $192.1M | 18.95% | 8.72% | 1.80% |
| Q4 2024 | $169.8M | $195.6M | 18.56% | 9.03% | 1.65% |
| Q1 2025 | $168.8M | $205.5M | 18.65% | 9.03% | 1.60% |
| Q2 2025 | $171.2M | $201.0M | 17.86% | 8.64% | 1.65% |
| Q3 2025 | $170.4M | $208.3M | 16.54% | 8.57% | 1.59% |
| Q4 2025 | $174.7M | $205.8M | 17.28% | 7.55% | 1.50% |
| Q1 2026 | $177.0M | $209.7M | 17.64% | 7.30% | 1.47% |
| Q2 2026 | $179.4M | $206.1M | 19.15% | 6.17% | 1.57% |
Security State Bank of Marine loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Security State Bank of Marine, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Security State Bank of Marine profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10163) · FFIEC NIC profile (RSSD 990053)